Malta: How to Report Bank Fraud
If money left your account without your permission, or you were tricked into sending it, contact your bank or payment provider straight away. The faster they hear from you, the better the chance of stopping or recovering the money. Below are the official fraud and card lines for 2 providers in Malta.
Do this first
- Call your bank’s fraud or card line now. Use a number from this page, the back of your card, or your bank’s official app. Never use a number from a text, an email, a caller or a search ad.
- Block your card or freeze your account in the app if you can, and change your online banking password.
- Ask the bank for a reference number, and write down the time you reported it.
- Report it to the police as well: see who handles cybercrime in Malta.
- Keep everything: messages, call logs, screenshots and transaction IDs. Your bank will never ask for your PIN, password or a one-time code.
Bank and payment fraud lines
HSBC Malta
Bank- Lost or stolen card, suspected fraud:+356 2148 3809(24/7)
App or online: HSBC's online security page lets you report a transaction, dispute a card payment or report a suspicious SMS.
APS Bank
Bank- Lost or stolen card, unrecognised transactions:+356 2122 6644(24/7 for lost or stolen cards; other matters Mon–Sun 8am–9pm)
App or online: In the myAPS app: Menu › Credit Cards › Credit Card Overview › select card › ⋯ › Freeze Card.
Not listed here
We could not confirm contact details on the official website of: Bank of Valletta (BOV). Rather than risk a wrong number, we leave them out. Use the number printed on your card or shown in the provider’s official app.
If your bank won’t help
Office of the Arbiter for Financial Services (OAFS)
Free, independent out-of-court resolution of complaints against financial providers licensed in Malta.
Official websiteYour rights
- EU Payment Services Directive (PSD2), Articles 73 and 74. Your bank must refund an unauthorised payment immediately, and no later than the end of the next business day after it learns of it, unless it has reasonable grounds to suspect fraud. If a lost, stolen or misused card or payment details were involved, your loss is capped at EUR 50, unless you acted fraudulently or with gross negligence. Payments you approved yourself, even if you were tricked, are usually not covered. Source
Report it to the police too
Banks often ask for a police report before they investigate. Cybercrime agencies in Malta.
Every number on this page was read on the provider’s or regulator’s own website on 3 October 2026. Banks change numbers, so if one doesn’t work, use the number on your card or in the official app, and tell us so we can fix it. See every country in the Bank Fraud Help directory.